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Cleo Pay supports two types of business registration:
  • Full business (POST /api/businesses) — can send and receive payments. Requires complete KYB (Know Your Business) information.
  • Basic business (POST /api/businesses/basic) — receive-only. Requires less information and is faster to register.

​
Create a full business

POST /api/businesses Registers a business that can both send and receive payments. Cleo Pay uses the provided information to run KYB verification.

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Request body

​
name
string
required
Legal name of the business.
​
businessType
string
required
Entity type of the business. Accepted values: soleProprietorship, llc, corporation, partnership.
​
address
object
required
Business address.
​
taxInfo
object
Federal tax identification information.
​
controller
object
Information about the individual who controls the business (required for KYB).

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Response

​
id
string
Unique business ID (businessId). Use this in subsequent API requests.
​
status
string
Verification status of the business. One of pending, verified, suspended.
​
createdAt
string
ISO 8601 timestamp of when the business was created.

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Example

curl --request POST \
  --url https://api.cleo-pay.com/api/businesses \
  --header "Authorization: Bearer <token>" \
  --header "Content-Type: application/json" \
  --data '{
    "name": "Acme Corp",
    "businessType": "llc",
    "address": {
      "street": "123 Main St",
      "city": "Austin",
      "state": "TX",
      "zip": "78701",
      "country": "US"
    },
    "taxInfo": {
      "ein": "12-3456789"
    },
    "controller": {
      "firstName": "Jane",
      "lastName": "Doe",
      "dateOfBirth": "1985-06-15",
      "ssn": "6789",
      "address": {
        "street": "456 Oak Ave",
        "city": "Austin",
        "state": "TX",
        "zip": "78702",
        "country": "US"
      }
    }
  }'

​
Create a basic business

POST /api/businesses/basic Registers a receive-only business. This is a lighter registration path — useful for vendors who only need to receive payments without sending them.

​
Request body

​
name
string
required
Legal name of the business.
​
businessType
string
required
Entity type. Accepted values: soleProprietorship, llc, corporation, partnership.
​
address
object
required
Business address with street, city, state, zip, and country fields.
​
taxInfo
object
EIN or SSN for IRS TIN verification.

​
Response

​
id
string
Unique business ID.
​
status
string
Verification status. One of pending, verified, suspended.
​
createdAt
string
ISO 8601 timestamp.

​
Example

curl --request POST \
  --url https://api.cleo-pay.com/api/businesses/basic \
  --header "Authorization: Bearer <token>" \
  --header "Content-Type: application/json" \
  --data '{
    "name": "Smith Consulting",
    "businessType": "soleProprietorship",
    "address": {
      "street": "789 Pine Rd",
      "city": "Denver",
      "state": "CO",
      "zip": "80203",
      "country": "US"
    },
    "taxInfo": {
      "ssn": "123-45-6789"
    }
  }'